The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,165
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$416/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,980/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,038
−HK$399/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$499/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$478/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$582/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$557/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$749/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$717/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,465/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,899 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).